If you run a hotel, you know how risky some elements can be. At Bollington we understand what your day to day brings and provide the very best cover. Get in touch with our experts for the right insurance.

Bollington make buying insurance for your retail business simple and cost effective. We find quality insurance cover to suit your needs from a panel of the UK’s top insurers, backed with our award-winning service.

Business Insurance

Bollington has been insuring a vast array of clients – from sole traders to corporate businesses – since 1974. While we offer professional indemnity, public liability, employers' liability and other essential commercial combined insurance covers we know that every business is different, and work hard to understand your needs.

Motor Trade

Whatever your size or location, we can provide quick quotes, highly competitive premiums and instant cover, with flexible payment options available. We work with a wide range of insurers to get the best deal to suit your needs.

Bollington have been operating in the care, charity and not for profit sectors for over a decade and has a dedicated care insurance division to enable us to offer specialist insurance assistance to our care clients.

We understand the work that the Community Transport Association carries out and works to support their member by offering specialist insurance policies and have been working in this area for many years.

Organising an emergency repair on your home can be both expensive and stressful. Our aim is to provide you with peace of mind that when something does go wrong, it can be fixed quickly and without fuss.

If you move goods from place to place in a courier van or other commercial vehicle, valuable items can be damaged, stolen or lost along the way. That's why you need goods in transit insurance in addition to your courier policy.

We have been insuring vehicles involved with refrigerated stock in the catering trade for years, so we know that it's not just a question of giving you comprehensive, third party fire and theft or third party only cover for your vehicle.

We have been helping wholesalers to find the right insurance for over four decades, and have picked up multiple awards along the way, so we are confident that we can offer the full range of insurance and risk management that is required by your sector.

With increasing regulation and competition, you need an insurance broker who has access to the UK’s leading insurers, understands the risks of your sector and works with you to tailor insurance to fit your needs.

With Bollington, you gain the peace of mind of dealing with a highly-experienced team of risk management professionals, dedicated to assessing the individual needs of your business and putting in place an effective agenda to deal with the risks that you face.

Bollington has valuable experience in this sector and we will help your business to comply with the requirements of the CDM Regulations 2007, working directly with your business to assess the individual issues in your environment.

Our Human Resources service is 100% tailored to your needs. We provide a dedicated HR consultant to meet with your key people and conduct an audit of your existing HR documentation and procedures before preparing new documents.

Corporate

For over 40 years Bollington Insurance has been one of the UK's leading corporate insurance brokers. We provide specialist solutions for businesses of all types and sizes from sole traders to international organisations. With long-standing relationships with leading insurers we're well placed to find you the right policy and negotiate preferential terms.

Residential or commercial, a single property or an estate. Whatever kind of landlord you are, trust our expertise and experience to provide great cover and great value.

Residential or commercial. Individual buy-to-let property or extensive portfolio. All landlords – no matter what property you own – have one thing in common: the need for the right landlord insurance cover. So start here by getting the best landlord insurance quote for you.

What will your landlord insurance cover?

The policy includes standard buildings and contents cover, but also:

Property owners’ liability. Limits from £1m to £10m+ dependent on your needs (£5m is standard). This policy meets your legal costs (following a successful claim) if a member of the public is injured on your property.

Accidental or malicious damage to property by tenants, for example this may cover damage caused by tenants using your property for the illegal growing of cannabis.

Subsidence cover included as standard.

Wasp or bee nests. They can lead to widespread property damage if not treated and removed, so it’s good to know that nest removal is included in your landlord’s insurance quote as standard.

Employers’ liability insurance. Essential if you employ staff to manage or maintain your property. The standard level of cover we offer is £10 million, though other limits are available.

Affordable and manageable

Landlord insurance can be surprisingly affordable, with prices for a single buy to let property starting fromas little as £120* a year. And we can offer direct debit payments to spread the cost, subject to status. This could offer a greater level of flexibility to your current situation.

Tailor-made solutions for every type of landlord

Landlords with single properties, residential properties, commercial properties or mixed portfolios all have very different and unique needs. With over 40 years’ experience of insuring residential and commercial properties, Bollington’s expert UK-based team will understand the mix of cover you need.

Award-winning service from a broker independently rated as ‘Exceptional’ by Investor in Customers.

* minimum amount charged in April 2017

Student property landlord's insurance

Renting to student tenants can be excellent business for residential landlords. Whether you are letting a single house/flat or an HMO (multi-occupancy building) the advantage is that students tend stay in their accommodation for a full academic year or more. So what do you need from your landlord insurance if renting to students?

Contents insurance

Student tenants should insure their own laptops and other personal property. But most student property is rented furnished or semi-furnished, so we will make sure your policy includes sufficient cover for the furniture and fittings.

Loss of income cover

Fire, flood or damage caused by high winds can lose you a lot of rental income if it makes your property uninhabitable. We can look to include cover against this in your policy.

Tips for renting to students

Inspect your property regularly and keep a record of each inspection.

Create an inventory of the property’s contents and get the students to read and sign it before moving in.

Check that you’re in compliance with all landlord regulations such as gas and fire checks.

Give your tenants contact details so they can report any problems straight away.

Make sure your tenants know where the water mains are, so they can turn the water off in an emergency

Secure the property with appropriate locks

Inform tenants of any security features and encourage them to use them at all times

What else will your landlord insurance cover?

The policy includes standard buildings and contents cover, but also:

Property owners’ liability. Limits from £1m to £10m+ dependent on your needs (£5m is standard). This policy meets your legal costs (following a successful claim) if a member of the public is injured on your property.

Accidental or malicious damage to property by tenants, for example this may cover damage caused by tenants using your property for the illegal growing of cannabis.

Subsidence cover included as standard.

Wasp or bee nests. They can lead to widespread property damage if not treated and removed, so it’s good to know that nest removal is included in your landlord’s insurance quote as standard.

Landlord insurance for multiple occupation properties (HMOs)

Houses of multiple occupancy are considered a high risk by insurers. That’s why the Bollington team’s expertise and experience in the market can prove so valuable, enabling you to combine the right HMO cover with good value-for-money insurance.

Every kind of cover

As an HMO landlord your insurance needs are very different from those of a standard let property owner. Only a specialist policy can provide the essential cover, including:

Loss of rent and buildings cover as standard

Landlords’ contents if you have furniture in the property

Alternative accommodation for your tenants

Legal protection

Public and property owners’ liability – essential in case tenants or visitors get injured in the property

Employers’ liability insurance – important if you employ people to manage or maintain the property

The right cover for every type of tenant

Professional

DSS/Housing association

Students

Asylum Seekers

Buy-to-let landlord's insurance

When you start renting out even a single property, you need to think about all the different types of cover your landlords insurance must include. It’s simply a matter of protecting your assets and their earning potential.

Isn’t buildings and contents cover enough?

If you just own a single buy to let property, you may believe your buildings and contents insurance provides all the cover you need. Not true. It does not cover injury to a tenant in your property for example. A standard household insurer could refuse to pay out such a claim, leaving you seriously out of pocket.

What else will your landlord insurance cover?

What will your landlord insurance cover?

The policy includes standard buildings and contents cover, but also:

Property owners’ liability. Limits from £1m to £10m+ dependent on your needs (£5m is standard). This policy meets your legal costs (following a successful claim) if a member of the public is injured on your property.

Accidental or malicious damage to property by tenants, for example this may cover damage caused by tenants using your property for the illegal growing of cannabis.

Subsidence cover included as standard.

Wasp or bee nests. They can lead to widespread property damage if not treated and removed, so it’s good to know that nest removal is included in your landlord’s insurance quote as standard.

Employers’ liability insurance.Essential if you employ staff to manage or maintain your property. The standard level of cover we offer is £10 million, though other limits are available.

Commercial property landlord's insurance

If you rent out property for commercial use it’s important to ensure that it is properly protected. And if you have a mixed commercial portfolio, you need to be sure that all the different uses are included:

Warehousing

Industrial units

Shops

Bars and restaurants

Offices

Talk to our expert team about your property mix and we’ll find the best, most affordable commercial landlord’s insurance quote available from our panel of insuers to meet your precise needs.

All the cover you need

Buildings and contents cover

Loss of rent in case the premises are temporarily unusable

Landlords’ contents if you have furniture in the property

Legal protection

Public and property owners’ liability – essential in case tenants or visitors get injured in the property

Employers’ liability insurance – important if you employ people to manage or maintain the property

Airbnb and short-term rental landlord's insurance

Airbnb and similar schemes are an increasingly popular way for property owners to generate income. It’s easy to simply assume that your normal home insurance, along with the Airbnb Host Guarantee, covers your guests as well, but that isn’t necessarily true. Insurance-wise there are several things you need to bear in mind:

Your insurer needs to know

If you don’t tell your insurer that you occasionally welcome Airbnb guests for short stays, they may deem this to be ‘non-disclosure’ and refuse to pay out on insurance claims. This even applies to claims that have nothing to do with your Airbnb guests.

Airbnb doesn’t cover some important things

Cash, valuables and pets are all outside the scope of the cover Airbnb provide against damage to your property by guests. If a guest steals money, drops your laptop or harms your dog you are not covered. It also does not cover damage to communal areas such as entrance halls. Talk to our team about ensuring that your landlord’s insurance covers you against the real risks of being a host with Airbnb, Wimdu, Housetrip, One Fine Stay and similar schemes and we will look to our insurance partners to provide a suitable level of insurance to meet your needs.

If you rent out property through Airbnb and are looking for appropriate insurance cover, please contact our specialist home insurance team on 01625 348038 for advice on the best insurance for your needs.

Landlords insurance for Property Management agencies

When you’re a letting agent, management agent or residents’ association, property owners rely on you to take away all the hassle and get things right. That means you can’t afford any mistake when it comes to ensuring that the property you are managing is properly insured. As a management agency or residents’ association, you also need to consider having public liability cover for the risks you face on behalf of the property owners.

Make sure you’re protecting property owners with the right landlord’s insurance

Talk to our team and they’ll advise precisely what cover you need. And of course we’ll use our buying power and influence with insurers to keep your costs under control.

Public and property owners’ liability – essential in case tenants or visitors get injured in the property

Employers’ liability insurance. Even if you already have this cover within your general business insurance, talk to our team. There’s a strong chance they’ll find you a better deal.

Property portfolio landlord's insurance

If you’re a landlord with multiple properties, whether all residential, all commercial, land only or a mixed portfolio, you need the security and peace of mind to know that if things do go wrong, you’re fully covered. So you need a landlord insurance solution that provides the right cover at the right price – and keeps life simple.

Why talk to Bollington about landlord’s insurance for a property portfolio?

Multi-property discounts

One simple renewal date

Easily add additional properties to your insurance when you buy them, or remove them once sold

All the cover you need

Cover for multiple buildings

Landlords’ contents cover if you have furniture in any properties

Alternative accommodation for tenants in case properties have to be evacuated in an emergency?

Legal protection

Public and property owners’ liability – essential in case tenants or visitors get injured in the property

Employers’ liability insurance – important if you employ people to manage or maintain the property